Ziziphi iintlawulo zontanga (P2P)?

Izinkokhelo zontanga zontanga njengeGoogle Wallet ziye zahamba ngokubanzi

Ibinzana, iintlawulo zontanga (okanye iintlawulo ze-P2P), zibhekisela kwindlela yokudlulisela imali kumntu omnye ukuya kwelinye ngaphandle kokubandakanyeka ngokuthe ngqo komntu wesithathu.

Iinkonzo ezininzi zebhanki ze-smartphone zisekela ukusebenza kweP2P ngokusetyenziswa kwebhanki. Eyona nkalo enkulu kwinxalenye yeP2P nangona kunjalo iinkampani ezininzi ezifana ne- PayPal , iVenmo kunye neCash Cash eziye zakhupha kwaye zijolise ngokubanzi ukuze zenze kube lula, zikhawuleza kwaye zingabizi kubasebenzisi bazo ukuba bathumele imali omnye komnye iibhanki.

Uninzi lwezonxibelelwano zenethiwekhi kunye neenkqubo zokuthumela imiyalezo sele ziqale ukubonelela ngeenkonzo zokuhlawula i-P2P.

Xa Abantu Basebenzisa Iiprogram zeP2P?

Iintlobo zokusebenza zeentlawulo zontanga zingasetyenziselwa ukuthumela imali kwabanye abantu nangaliphi na isizathu nangaliphi na ixesha. Ezinye zezona zizathu-ezidumileyo zokuzisebenzisa zikwahlula ibhilikhwe kwindawo yokutyela okanye ukunika imali ilungu losapho okanye umhlobo.

Amashishini amaninzi awamkela iintlawulo kwiiprogram zokuhlawula i-P2P ukuze nazo zisetyenziselwe ukuhlawula inkonzo okanye umkhiqizo. Qaphela ke ukuba akuzona zonke iifowuni zentlawulo zesebe ezixhasa ukutshintshwa kwamanye amazwe. IMicrosoft Wallet ngumzekelo omnye wesoftware esetyenziselwa ukuthenga ngaphakathi kwevenkile kodwa ayikwazi ukuthumela imali komnye umntu.

Ngaba iVenmo kunye nezinye iintlawulo zontanga zikhuselekile?

Akukho tekhnoloji ekhuselekile ngokupheleleyo kwi-breaches yezokhuseleko ngoko kubalulekile ukuba ufunde izibuyekezo zohlelo lokusebenza kunye nophando ngaphambi kokulanda. Ngokubanzi, enkulu inkampani emva kwesicelo kukuba, izixhobo ezininzi kunye nexesha abazibekayo ekuphuculeni ukhuseleko kunye nokusebenza. Kuqondakala ngokucacileyo ukukrokra kwiintlobo zokusebenza zentlawulo zontanga kunye neendlela ezimbalwa zokuphonononga kwaye akukho phepha lokushicilela.

Nceda uphando rhoqo kwi-app ngaphambi kokuba uyisebenzise. Ingakumbi ukuba uceba ukuyisebenzisa ukulawula imali yakho.

Indlela yokukhusela iiprogram zakho zeP2P

Umngcipheko omkhulu kwi-P2P yokukhusela inkqubo yenkqubo yokuhlawula i-app ngokuqhelekileyo ayikho ikhowudi ye-app okanye inkampani emva kwayo kodwa umsebenzisi angathathi amanyathelo afanelekileyo ukukhusela ulwazi kunye nemali. Nantsi indlela yokwenza iifayile zakho zeP2P zikhuseleke ngokusemandleni.

1. Sebenzisa iphasiwedi eyingqayizivele: Njengazo zonke iinkonzo ze-intanethi kubalulekile ukukhusela i-akhawunti yakho yokuhlawulwa kwe-akhawunti kunye nephasiwedi eqinileyo engenayo nayiphi na amagama kwaye isebenzise inhlanganisela yamanani aphezulu kunye namancinci, iileta kunye neempawu. Kufuneka uphinde ugweme ukusebenzisa iphasiwedi efanayo kwienkonzo ezingaphezulu kweyodwa kuba ukuba omnye wabo uhlaselwa, zonke iakhawunti zakho ziye zatshitshiswa.
2. Sebenzisa i-PIN ye-PIN ekhethekileyo: Ikhowudi ye- PIN yenombolo ingaba yinto ekhethekileyo kodwa iyanconywa ukuba uyisebenzise kwaye, njengephasiwedi yakho, yenza kube yinto ehlukile kwi-app nganye okanye kwinkonzo nganye.
3. Nika amandla i-2FA: 2FA, okanye ukuqinisekiswa kwe-2-factor , yinkqutyana eyongezelelweyo yokhuseleko efuna impembelelo yolwazi olongezelelweyo lokungena ngemvume ngaphambi kokufikelela kwi-app. Imizekelo ye-2FA yi-Google ye-Google okanye iMicrosoft ye-Authentication apps okanye i-PIN entsha ekhethiweyo eyenziwe ngomyalezo we-SMS. Azikho zonke iiprogramu ezixhasayo 2FA kodwa kufuneka zivunywe ukuba ziyafumaneka, ngakumbi xa usebenzisa i-app enokufikelela kwimali yakho.
4. Nika amandla Izaziso ze-imeyile: ezininzi iinkonzo ze-P2P zinokhetho kwisethingi apho, xa kunikwe amandla, izakuthumela i-imeyile rhoqo xa imali ithunyelwa kwi-akhawunti yakho. Le yindlela elula kwaye elula yokuhlala usesikhathini kumsebenzi we-akhawunti yakho.

1. Hlola Imbali Yakho Yomsebenzi: Enye indlela yokuqinisekisa ukuba inkqubo yakho yoontanga okanye i-akhawunti enxulumene nayo ikhuselekile kukuba uhlolisise umlando wakho wokuthengiselana rhoqo rhoqo. Ingxelo yazo zonke iintlawulo zakho ezithunyelwe kunye neentlawulo kufuneka zibukwe ngaphakathi kweso sicelo sakho.
2. Khangela kabini Idilesi yePayee: Akukho nto ebi ngaphezu kokulinda umthengi ukuba uhambe kuphela ukuba uqaphele ukuba imali yakho ithunyelwe kumntu ongafanelekanga. Enoba usebenzisa igama lomntu, idilesi ye-imeyile, okanye ukungena kwencwadi yeselula ukuthumela iP2P, qhosela ukuba ulwazi luchanekile.

Ziziphi iifowuni zeNtlawulo zeMatyala eziDumeleyo?

I-PayPal, iCash Cash kunye ne-Venmo kugxininise ngokuzodwa ekuthumeleleni imali phakathi kwabasebenzisi kwaye iyakuthandwa kakhulu kwiintengiso zombini kunye nezentengiso.

I-Google kunye ne-Apple baye bazisa iinkonzo zabo zokuhlawula kuqala, i- Google Pay ne- Apple Pay Cash . Bobabili basebenzisana ne-smartphones kunye neepilisi zeenkampani kunye kwaye bangasetyenziselwa ukwenza iintlawulo kumntu okanye ukuthumela imali kumnxibelelwano lomsebenzisi. Isevisi yokuthumela i-iMessage ye- Apple isekela i-Apple Pay Cash kwaye ivumela abasebenzisi bayo ukuba bathumele imali ngokuthe ngqo ukusuka kwingxoxo yombhalo.

I-Facebook isiqalile ukuzama ukuhlawula iintlawulo ze-P2P kunye neprogram yayo yokuxoxa, i-Facebook Messenger , ibonakala ibonisa ugqozi ku- WeChat kunye no- Line abaye balawula iimakethe zabo zokuthengisa iintlawulo zasekhaya zaseTshayina kunye neJapan kunye ne-WeChat Pay kunye ne-Line Pay. Xa uva malunga nokuthandwa okungaqhelekanga kokuthengwa kweefowuni e-Asia, i-WeChat kunye neNgcaciso zihlala ziyingxenye yencoko.